Trust Co Of Toledo Na 13F-HR Quarterly holdings report by institutional manager

The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE

OMB APPROVAL

OMB Number:		3235-0006
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COLUMN 1	COLUMN 2	COLUMN 3	COLUMN 4	COLUMN 5			COLUMN 6	COLUMN 7	COLUMN 8
			VALUE	SHRS OR	SH/	PUT/	INVESTMENT	OTHER	VOTING AUTHORITY
NAME OF ISSUER	TITLE OF CLASS	CUSIP	(x$1000)	PRN AMT	PRN	CALL	DISCRETION	MANAGER	SOLE	SHARED	NONE
AT&T Inc	Com	00206R102	1,957	93,378	SH		SOLE	0	93,306	0	72
AT&T Inc	Com	00206R102	1	40	SH		DFND	0	40	0	0
Abbott Laboratories	Com	002824100	9,089	83,657	SH		SOLE	0	79,171	0	4,486
Abbott Laboratories	Com	002824100	112	1,031	SH		DFND	0	1,031	0	0
AbbVie Inc	Com	00287Y109	7,313	47,745	SH		SOLE	0	47,554	0	191
AbbVie Inc	Com	00287Y109	180	1,173	SH		DFND	0	1,173	0	0
Aberdeen Std Gold ETF	Com	00326A104	440	25,380	SH		SOLE	0	25,380	0	0
Adobe Systems Inc	Com	00724F101	715	1,953	SH		SOLE	0	1,953	0	0
Advanced Micro Devices Inc	Com	007903107	3,159	41,306	SH		SOLE	0	41,240	0	66
Advanced Micro Devices Inc	Com	007903107	86	1,124	SH		DFND	0	1,124	0	0
Agilent Technologies Inc	Com	00846U101	214	1,802	SH		SOLE	0	1,802	0	0
Air Products & Chemicals Inc	Com	009158106	2,476	10,294	SH		SOLE	0	10,276	0	18
Air Products & Chemicals Inc	Com	009158106	2	10	SH		DFND	0	10	0	0
Allstate Corp	Com	020002101	697	5,500	SH		SOLE	0	5,500	0	0
Alphabet Inc-C	Com	02079K107	2,828	1,293	SH		SOLE	0	1,293	0	0
Alphabet Inc-C	Com	02079K107	131	60	SH		DFND	0	60	0	0
Alphabet Inc-A	Com	02079K305	6,812	3,126	SH		SOLE	0	3,126	0	0
Alphabet Inc-A	Com	02079K305	177	81	SH		DFND	0	81	0	0
Amazon.com Inc	Com	023135106	5,572	52,460	SH		SOLE	0	51,860	0	600
Amazon.com Inc	Com	023135106	42	400	SH		DFND	0	400	0	0
American Electric Power Co Inc	Com	025537101	534	5,563	SH		SOLE	0	5,563	0	0
American Express Co	Com	025816109	1,032	7,442	SH		SOLE	0	7,442	0	0
American Express Co	Com	025816109	40	287	SH		DFND	0	287	0	0
American Tower Corp	Com	03027X100	386	1,511	SH		SOLE	0	1,511	0	0
American Water Works Co Inc	Com	030420103	2,578	17,328	SH		SOLE	0	17,293	0	35
American Water Works Co Inc	Com	030420103	87	587	SH		DFND	0	587	0	0
Amgen Inc	Com	031162100	5,027	20,662	SH		SOLE	0	12,956	0	7,706
Amgen Inc	Com	031162100	118	483	SH		DFND	0	483	0	0
Analog Devices Inc	Com	032654105	2,532	17,334	SH		SOLE	0	17,301	0	33
Analog Devices Inc	Com	032654105	89	612	SH		DFND	0	612	0	0
Apple Inc	Com	037833100	29,628	216,707	SH		SOLE	0	214,745	0	1,962
Apple Inc	Com	037833100	231	1,692	SH		DFND	0	1,692	0	0
Arbor Realty Trust Inc	Com	038923108	398	30,376	SH		SOLE	0	30,376	0	0
ADR AstraZeneca PLC- II Sp	Com	046353108	507	7,679	SH		SOLE	0	7,679	0	0
Automatic Data Processing Inc	Com	053015103	1,565	7,449	SH		SOLE	0	7,354	0	95
AutoZone Inc	Com	053332102	204	95	SH		SOLE	0	95	0	0
Baxter International Inc	Com	071813109	2,065	32,157	SH		SOLE	0	32,157	0	0
Baxter International Inc	Com	071813109	43	675	SH		DFND	0	675	0	0
Berkshire Hathaway Inc-A	Com	084670108	818	2	SH		DFND	0	2	0	0
Berkshire Hathaway Inc-B	Com	084670702	1,181	4,326	SH		SOLE	0	4,326	0	0
Berkshire Hathaway Inc-B	Com	084670702	10	36	SH		DFND	0	36	0	0
Blackrock Inc	Com	09247X101	919	1,509	SH		SOLE	0	1,508	0	1
Boeing Co/The	Com	097023105	1,241	9,075	SH		SOLE	0	5,595	0	3,480
Boeing Co/The	Com	097023105	18	131	SH		DFND	0	131	0	0
Bristol Myers Squibb	Com	110122108	3,024	39,273	SH		SOLE	0	38,653	0	620
Bristol Myers Squibb	Com	110122108	31	400	SH		DFND	0	400	0	0
Broadcom Inc	Com	11135F101	287	591	SH		SOLE	0	591	0	0
Cigna Corp	Com	125523100	303	1,151	SH		SOLE	0	1,151	0	0
Cigna Corp	Com	125523100	1	4	SH		DFND	0	4	0	0
CME Group Inc	Com	12572Q105	2,029	9,911	SH		SOLE	0	9,911	0	0
CME Group Inc	Com	12572Q105	1	7	SH		DFND	0	7	0	0
CSX Corp	Com	126408103	301	10,341	SH		SOLE	0	10,341	0	0
CVS Health Corp	Com	126650100	2,840	30,652	SH		SOLE	0	23,566	0	7,086
CVS Health Corp	Com	126650100	54	579	SH		DFND	0	579	0	0
Coterra Energy Inc	Com	127097103	250	9,712	SH		SOLE	0	401	0	9,311
Canadian Imperial Bank of Commerce	Com	136069101	271	5,580	SH		SOLE	0	5,580	0	0
Canadian National Railway Co	Com	136375102	205	1,824	SH		SOLE	0	1,824	0	0
Carrier Global Corp	Com	14448C104	617	17,308	SH		SOLE	0	17,308	0	0
Carrier Global Corp	Com	14448C104	12	345	SH		DFND	0	345	0	0
Caterpillar Inc	Com	149123101	2,327	13,019	SH		SOLE	0	5,619	0	7,400
Chevron Corp	Com	166764100	7,872	54,369	SH		SOLE	0	53,606	0	763
Chevron Corp	Com	166764100	155	1,071	SH		DFND	0	821	0	250
Cincinnati Financial Corp	Com	172062101	914	7,686	SH		SOLE	0	7,686	0	0
Cisco Systems Inc	Com	17275R102	3,808	89,315	SH		SOLE	0	84,310	0	5,005
Cisco Systems Inc	Com	17275R102	35	827	SH		DFND	0	827	0	0
Citigroup Inc	Com	172967424	355	7,725	SH		SOLE	0	7,706	0	19
Coca-Cola Co/The	Com	191216100	6,092	96,837	SH		SOLE	0	93,837	0	3,000
Coca-Cola Co/The	Com	191216100	130	2,073	SH		DFND	0	2,073	0	0
Cognizant Tech Solutions Corp-A	Com	192446102	1,853	27,458	SH		SOLE	0	27,458	0	0
Cognizant Tech Solutions Corp-A	Com	192446102	55	822	SH		DFND	0	822	0	0
Colgate-Palmolive Company	Com	194162103	1,336	16,675	SH		SOLE	0	5,095	0	11,580
Comcast Corp-A	Com	20030N101	1,623	41,362	SH		SOLE	0	41,310	0	52
Comcast Corp-A	Com	20030N101	48	1,214	SH		DFND	0	1,214	0	0
ConocoPhillips Inc	Com	20825C104	681	7,579	SH		SOLE	0	7,579	0	0
Costco Wholesale Corp	Com	22160K105	2,375	4,956	SH		SOLE	0	4,956	0	0
Costco Wholesale Corp	Com	22160K105	48	100	SH		DFND	0	100	0	0
Crown Castle Inc	Com	22822V101	854	5,069	SH		SOLE	0	5,069	0	0
Cummins Inc	Com	231021106	240	1,240	SH		SOLE	0	1,240	0	0
Danaher Corp	Com	235851102	9,054	35,714	SH		SOLE	0	35,714	0	0
Danaher Corp	Com	235851102	157	618	SH		DFND	0	618	0	0
Darden Restaurants Inc	Com	237194105	343	3,029	SH		SOLE	0	3,029	0	0
Deere & Co	Com	244199105	6,100	20,368	SH		SOLE	0	10,168	0	10,200
Dentsply Sirona Inc	Com	24906P109	418	11,712	SH		SOLE	0	11,712	0	0
Dentsply Sirona Inc	Com	24906P109	14	400	SH		DFND	0	400	0	0
Digital Realty Trust Inc	Com	253868103	1,883	14,501	SH		SOLE	0	14,476	0	25
Digital Realty Trust Inc	Com	253868103	69	534	SH		DFND	0	534	0	0
Disney Walt Co	Com	254687106	4,797	50,813	SH		SOLE	0	50,813	0	0
Disney Walt Co	Com	254687106	20	216	SH		DFND	0	216	0	0
Dominion Resources Inc/VA	Com	25746U109	2,577	32,294	SH		SOLE	0	32,257	0	37
Dominion Resources Inc/VA	Com	25746U109	97	1,220	SH		DFND	0	1,220	0	0
Dover Corp	Com	260003108	416	3,425	SH		SOLE	0	3,425	0	0
Duke Energy Corp	Com	26441C204	2,521	23,519	SH		SOLE	0	23,485	0	34
Duke Energy Corp	Com	26441C204	2	22	SH		DFND	0	22	0	0
DuPont de Nemours Inc	Com	26614N102	747	13,434	SH		SOLE	0	13,434	0	0
DuPont de Nemours Inc	Com	26614N102	12	221	SH		DFND	0	221	0	0
EOG Resources Inc	Com	26875P101	833	7,545	SH		SOLE	0	7,545	0	0
Eastman Chemical Company	Com	277432100	449	5,002	SH		SOLE	0	5,002	0	0
Emerson Electric Company	Com	291011104	882	11,088	SH		SOLE	0	3,888	0	7,200
Enbridge Inc	Com	29250N105	1,055	24,965	SH		SOLE	0	24,121	0	844
Enbridge Inc	Com	29250N105	4	100	SH		DFND	0	100	0	0
Entergy Corp	Com	29364G103	1,120	9,941	SH		SOLE	0	9,916	0	25
Exelon Corp	Com	30161N101	1,604	35,403	SH		SOLE	0	34,829	0	574
Exelon Corp	Com	30161N101	75	1,657	SH		DFND	0	1,657	0	0
Exxon Mobil Corp	Com	30231G102	4,799	56,032	SH		SOLE	0	49,698	0	6,334
Exxon Mobil Corp	Com	30231G102	61	711	SH		DFND	0	411	0	300
Meta Platforms Inc	Com	30303M102	264	1,635	SH		SOLE	0	1,635	0	0
Farmer & Merchants Bancorp Inc/OH	Com	30779N105	264	7,940	SH		SOLE	0	3,940	0	4,000
Federated Ultra Short Term Bond-I	Com	31428Q747	9,544	1,062,807	SH		SOLE	0	1,062,807	0	0
Federated Ultra Short Term Bond-I	Com	31428Q747	158	17,635	SH		DFND	0	9,451	0	8,185
Fifth Third Bancorp	Com	316773100	1,792	53,336	SH		SOLE	0	36,536	0	16,800
Fortive Corp	Com	34959J108	611	11,228	SH		SOLE	0	11,228	0	0
Fortive Corp	Com	34959J108	16	300	SH		DFND	0	300	0	0
Franco-Nevada Corp	Com	351858105	349	2,650	SH		SOLE	0	0	0	2,650
Franklin Electric Co Inc	Com	353514102	374	5,100	SH		SOLE	0	0	0	5,100
Arthur J Gallagher & Co	Com	363576109	3,185	19,536	SH		SOLE	0	19,489	0	47
Arthur J Gallagher & Co	Com	363576109	99	606	SH		DFND	0	606	0	0
General Dynamics Corp	Com	369550108	1,676	7,576	SH		SOLE	0	7,576	0	0
General Dynamics Corp	Com	369550108	29	130	SH		DFND	0	130	0	0
General Mills Inc	Com	370334104	1,781	23,602	SH		SOLE	0	23,547	0	55
General Mills Inc	Com	370334104	58	773	SH		DFND	0	773	0	0
Gilead Sciences Inc	Com	375558103	1,072	17,338	SH		SOLE	0	17,338	0	0
Gilead Sciences Inc	Com	375558103	1	20	SH		DFND	0	20	0	0
Goldman Sachs Group Inc	Com	38141G104	551	1,855	SH		SOLE	0	1,855	0	0
Great Elm Group Inc	Com	39037G109	32	15,000	SH		SOLE	0	15,000	0	0
HCA Healthcare Inc	Com	40412C101	494	2,942	SH		SOLE	0	2,942	0	0
HCA Healthcare Inc	Com	40412C101	2	13	SH		DFND	0	13	0	0
Hershey Co/The	Com	427866108	662	3,078	SH		SOLE	0	3,078	0	0
Home Depot Inc	Com	437076102	3,710	13,526	SH		SOLE	0	10,576	0	2,950
Honeywell International Inc	Com	438516106	3,012	17,329	SH		SOLE	0	17,329	0	0
Honeywell International Inc	Com	438516106	1	6	SH		DFND	0	6	0	0
Illinois Tool Works Inc	Com	452308109	367	2,014	SH		SOLE	0	2,014	0	0
Intel Corp	Com	458140100	4,390	117,346	SH		SOLE	0	116,601	0	745
Intel Corp	Com	458140100	68	1,808	SH		DFND	0	1,808	0	0
IntercontinentalExchange Group Inc	Com	45866F104	2,319	24,655	SH		SOLE	0	24,655	0	0
IntercontinentalExchange Group Inc	Com	45866F104	35	375	SH		DFND	0	375	0	0
Intl Business Machines Corp	Com	459200101	1,356	9,602	SH		SOLE	0	9,448	0	154
Invesco QQQ Trust Ser 1 ETF	Com	46090E103	1,033	3,687	SH		SOLE	0	3,487	0	200
Invesco S&P 500 Equal Weight ETF	Com	46137V357	584	4,353	SH		SOLE	0	4,353	0	0
iShares S&P 500 Index ETF	Com	464287200	1,416	3,735	SH		SOLE	0	3,735	0	0
iShares S&P Midcap 400 Index ETF	Com	464287507	857	3,790	SH		SOLE	0	3,790	0	0
iShares Core S&P Small-Cap ETF	Com	464287804	3,371	36,475	SH		SOLE	0	36,475	0	0
JP Morgan Chase & Co	Com	46625H100	8,086	71,809	SH		SOLE	0	71,779	0	30
JP Morgan Chase & Co	Com	46625H100	96	849	SH		DFND	0	849	0	0
Johnson & Johnson	Com	478160104	5,848	32,945	SH		SOLE	0	32,007	0	938
KLA Corp	Com	482480100	297	932	SH		SOLE	0	932	0	0
KeyCorp	Com	493267108	890	51,670	SH		SOLE	0	51,670	0	0
Kimberly-Clark Corp	Com	494368103	1,856	13,732	SH		SOLE	0	13,708	0	24
Kimberly-Clark Corp	Com	494368103	49	361	SH		DFND	0	361	0	0
Lam Research Corp	Com	512807108	1,002	2,352	SH		SOLE	0	2,352	0	0
Lilly Eli & Co	Com	532457108	8,214	25,333	SH		SOLE	0	24,823	0	510
Lilly Eli & Co	Com	532457108	119	367	SH		DFND	0	367	0	0
Lockheed Martin Corp	Com	539830109	3,136	7,293	SH		SOLE	0	7,284	0	9
Lockheed Martin Corp	Com	539830109	2	5	SH		DFND	0	5	0	0
Loomis Sayles Strategic Income Y	Com	543487250	5,946	493,453	SH		SOLE	0	491,840	0	1,613
Loomis Sayles Strategic Income Y	Com	543487250	930	77,213	SH		DFND	0	77,213	0	0
Lowe's Companies Inc	Com	548661107	5,606	32,097	SH		SOLE	0	32,097	0	0
Lowe's Companies Inc	Com	548661107	90	516	SH		DFND	0	516	0	0
Marathon Petroleum Corp	Com	56585A102	234	2,846	SH		SOLE	0	2,846	0	0
Marsh & McLennan Co Inc	Com	571748102	1,154	7,434	SH		SOLE	0	7,434	0	0
MasterCard Inc-A	Com	57636Q104	853	2,703	SH		SOLE	0	2,703	0	0
McDonalds Corp	Com	580135101	7,167	29,029	SH		SOLE	0	28,909	0	120
McDonalds Corp	Com	580135101	52	209	SH		DFND	0	209	0	0
McKesson Corp	Com	58155Q103	3,675	11,267	SH		SOLE	0	11,267	0	0
McKesson Corp	Com	58155Q103	73	225	SH		DFND	0	225	0	0
Merck & Co Inc	Com	58933Y105	5,715	62,681	SH		SOLE	0	62,636	0	45
Merck & Co Inc	Com	58933Y105	104	1,136	SH		DFND	0	1,136	0	0
Metlife Inc	Com	59156R108	1,717	27,340	SH		SOLE	0	27,313	0	27
Metlife Inc	Com	59156R108	1	13	SH		DFND	0	13	0	0
Microsoft Corp	Com	594918104	31,743	123,596	SH		SOLE	0	122,998	0	598
Microsoft Corp	Com	594918104	449	1,747	SH		DFND	0	1,747	0	0
Microchip Technology Inc	Com	595017104	4,449	76,607	SH		SOLE	0	76,607	0	0
Microchip Technology Inc	Com	595017104	107	1,840	SH		DFND	0	1,840	0	0
Mondelez International Inc	Com	609207105	674	10,861	SH		SOLE	0	10,861	0	0
Moody's Corp	Com	615369105	1,836	6,750	SH		SOLE	0	6,750	0	0
Morgan Stanley	Com	617446448	880	11,570	SH		SOLE	0	11,570	0	0
NextEra Energy Inc	Com	65339F101	6,480	83,661	SH		SOLE	0	82,053	0	1,608
NextEra Energy Inc	Com	65339F101	108	1,400	SH		DFND	0	1,400	0	0
Nike Inc-B	Com	654106103	5,447	53,301	SH		SOLE	0	53,301	0	0
Nike Inc-B	Com	654106103	85	834	SH		DFND	0	834	0	0
Norfolk Southern Corp	Com	655844108	7,640	33,614	SH		SOLE	0	33,592	0	22
Norfolk Southern Corp	Com	655844108	124	544	SH		DFND	0	544	0	0
Northern Ultra-Short Fixed Income Fund	Com	665162467	32,208	3,227,299	SH		SOLE	0	3,212,273	0	15,026
Northern Ultra-Short Fixed Income Fund	Com	665162467	3,157	316,306	SH		DFND	0	306,997	0	9,309
Northern Trust Corp	Com	665859104	222	2,300	SH		SOLE	0	2,300	0	0
Northrop Grumman Corp	Com	666807102	383	800	SH		SOLE	0	800	0	0
ADR Novartis AG- II Sp	Com	66987V109	2,010	23,778	SH		SOLE	0	19,785	0	3,993
ADR Novartis AG- II Sp	Com	66987V109	31	368	SH		DFND	0	368	0	0
Nvidia Corp	Com	67066G104	1,545	10,190	SH		SOLE	0	10,190	0	0
Oracle Corporation	Com	68389X105	6,717	96,137	SH		SOLE	0	96,137	0	0
Oracle Corporation	Com	68389X105	61	878	SH		DFND	0	878	0	0
Otis Worldwide Corp	Com	68902V107	890	12,588	SH		SOLE	0	12,576	0	12
Otis Worldwide Corp	Com	68902V107	12	172	SH		DFND	0	172	0	0
PIMCO Total Return Institutional Fund	Com	693390700	1,084	120,464	SH		SOLE	0	120,464	0	0
Palo Alto Networks Inc	Com	697435105	3,993	8,084	SH		SOLE	0	8,084	0	0
Parnassus Fixed-Income Fund	Com	701769200	1,880	126,075	SH		SOLE	0	126,075	0	0
Parnassus Fixed-Income Fund	Com	701769200	206	13,836	SH		DFND	0	13,836	0	0
PepsiCo Inc	Com	713448108	8,042	48,254	SH		SOLE	0	48,228	0	26
PepsiCo Inc	Com	713448108	105	632	SH		DFND	0	632	0	0
Pfizer Inc	Com	717081103	5,704	108,787	SH		SOLE	0	96,088	0	12,699
Pfizer Inc	Com	717081103	2	42	SH		DFND	0	42	0	0
Philip Morris International	Com	718172109	383	3,880	SH		SOLE	0	3,880	0	0
Phillips 66	Com	718546104	432	5,274	SH		SOLE	0	5,274	0	0
T Rowe Price Group Inc	Com	74144T108	307	2,698	SH		SOLE	0	2,698	0	0
T Rowe Price High Yield-Inv	Com	741481105	2,713	490,620	SH		SOLE	0	490,620	0	0
Procter & Gamble Co	Com	742718109	10,825	75,280	SH		SOLE	0	72,749	0	2,531
Procter & Gamble Co	Com	742718109	188	1,308	SH		DFND	0	1,308	0	0
Qualcomm Inc	Com	747525103	5,765	45,131	SH		SOLE	0	44,348	0	783
Qualcomm Inc	Com	747525103	141	1,106	SH		DFND	0	1,106	0	0
Raymond James Financial Inc	Com	754730109	756	8,460	SH		SOLE	0	8,460	0	0
Rayonier Inc	Com	754907103	333	8,913	SH		SOLE	0	6,913	0	2,000
Rayonier Inc	Com	754907103	27	717	SH		DFND	0	717	0	0
Realty Income Corp	Com	756109104	271	3,970	SH		SOLE	0	3,970	0	0
Redwood Trust Inc	Com	758075402	299	38,821	SH		SOLE	0	38,821	0	0
T Rowe Price Real Estate Fund	Com	779919109	628	39,330	SH		SOLE	0	39,330	0	0
SPDR Gold Shares ETF	Com	78463V107	604	3,583	SH		SOLE	0	3,583	0	0
Salesforce Inc	Com	79466L302	2,724	16,503	SH		SOLE	0	16,503	0	0
Salesforce Inc	Com	79466L302	38	230	SH		DFND	0	230	0	0
Schlumberger Ltd	Com	806857108	1,810	50,617	SH		SOLE	0	32,175	0	18,442
Schlumberger Ltd	Com	806857108	18	493	SH		DFND	0	493	0	0
Smith (AO) Corp	Com	831865209	1,179	21,561	SH		SOLE	0	21,561	0	0
JM Smucker Co/The	Com	832696405	211	1,648	SH		SOLE	0	1,648	0	0
Southern Co/The	Com	842587107	470	6,589	SH		SOLE	0	5,864	0	725
Starbucks Corp	Com	855244109	1,657	21,690	SH		SOLE	0	21,690	0	0
Starbucks Corp	Com	855244109	32	423	SH		DFND	0	423	0	0
Stryker Corp	Com	863667101	263	1,324	SH		SOLE	0	1,324	0	0
Sysco Corp	Com	871829107	364	4,297	SH		SOLE	0	4,297	0	0
Sysco Corp	Com	871829107	42	500	SH		DFND	0	500	0	0
TJX Companies Inc	Com	872540109	517	9,259	SH		SOLE	0	9,259	0	0
Target Corp	Com	87612E106	2,118	15,000	SH		SOLE	0	15,000	0	0
Tesla Inc	Com	88160R101	676	1,004	SH		SOLE	0	1,004	0	0
Texas Instruments Inc	Com	882508104	592	3,856	SH		SOLE	0	3,856	0	0
Thermo Fisher Scientific Inc	Com	883556102	382	703	SH		SOLE	0	703	0	0
3M Company	Com	88579Y101	1,728	13,355	SH		SOLE	0	13,355	0	0
Travelers Cos Inc/The	Com	89417E109	615	3,634	SH		SOLE	0	3,634	0	0
Truist Financial Corp	Com	89832Q109	2,308	48,666	SH		SOLE	0	48,608	0	58
US Bancorp	Com	902973304	398	8,644	SH		SOLE	0	8,644	0	0
Union Pacific Corp	Com	907818108	3,909	18,329	SH		SOLE	0	8,929	0	9,400
United Parcel Service-B	Com	911312106	2,545	13,940	SH		SOLE	0	13,915	0	25
United Parcel Service-B	Com	911312106	100	547	SH		DFND	0	547	0	0
UnitedHealth Group Inc	Com	91324P102	1,525	2,970	SH		SOLE	0	2,970	0	0
Vanguard Wellesley Income-Adm	Com	921938205	201	3,224	SH		SOLE	0	674	0	2,550
Vanguard High-Yield Corp-Adm	Com	922031760	219	42,988	SH		SOLE	0	42,988	0	0
Vanguard Short-Term Federal-Adm	Com	922031844	67,898	6,566,506	SH		SOLE	0	6,523,532	0	42,974
Vanguard Short-Term Federal-Adm	Com	922031844	10,493	1,014,750	SH		DFND	0	1,014,750	0	0
Vanguard S&P 500 ETF	Com	922908363	553	1,593	SH		SOLE	0	1,593	0	0
Vanguard S&P 500 ETF	Com	922908363	76	218	SH		DFND	0	218	0	0
Verizon Communications Inc	Com	92343V104	3,583	70,610	SH		SOLE	0	69,033	0	1,577
Verizon Communications Inc	Com	92343V104	87	1,713	SH		DFND	0	1,713	0	0
Visa Inc-A	Com	92826C839	730	3,708	SH		SOLE	0	3,708	0	0
WEC Energy Group Inc	Com	92939U106	519	5,157	SH		SOLE	0	5,157	0	0
Walmart Inc	Com	931142103	1,571	12,924	SH		SOLE	0	12,924	0	0
Walgreens Boots Alliance Inc	Com	931427108	206	5,447	SH		SOLE	0	5,447	0	0
Warner Bros Discovery Inc	Com	934423104	295	21,953	SH		SOLE	0	21,936	0	17
Warner Bros Discovery Inc	Com	934423104	0	9	SH		DFND	0	9	0	0
Waste Management Inc	Com	94106L109	2,463	16,101	SH		SOLE	0	16,064	0	37
Waste Management Inc	Com	94106L109	3	19	SH		DFND	0	19	0	0
Wells Fargo & Co	Com	949746101	1,430	36,498	SH		SOLE	0	36,498	0	0
Wells Fargo & Co	Com	949746101	48	1,237	SH		DFND	0	1,237	0	0
Welltower Inc	Com	95040Q104	7,941	96,426	SH		SOLE	0	91,088	0	5,338
Welltower Inc	Com	95040Q104	136	1,654	SH		DFND	0	654	0	1,000
Weyerhaeuser Co	Com	962166104	1,822	55,012	SH		SOLE	0	41,812	0	13,200
Weyerhaeuser Co	Com	962166104	37	1,120	SH		DFND	0	0	0	1,120
Wheaton Precious Metals Corp	Com	962879102	440	12,200	SH		SOLE	0	0	0	12,200
Yum! Brands Inc	Com	988498101	419	3,692	SH		SOLE	0	3,692	0	0
Zimmer Biomet Holdings Inc	Com	98956P102	580	5,519	SH		SOLE	0	5,519	0	0
Zoetis Inc	Com	98978V103	219	1,273	SH		SOLE	0	373	0	900
Cohen & Steers Quality Income Realty Fund Inc	Com	BKC47L109	0	30,000	SH		SOLE	0	30,000	0	0
Accenture PLC-A	Com	G1151C101	543	1,957	SH		SOLE	0	1,807	0	150
Eaton Corp PLC	Com	G29183103	1,965	15,596	SH		SOLE	0	15,559	0	37
Eaton Corp PLC	Com	G29183103	98	780	SH		DFND	0	780	0	0
Everest Re Group Ltd	Com	G3223R108	1,586	5,660	SH		SOLE	0	5,660	0	0
Everest Re Group Ltd	Com	G3223R108	42	150	SH		DFND	0	150	0	0
Johnson Controls Intl PLC	Com	G51502105	1,403	29,295	SH		SOLE	0	29,226	0	69
Johnson Controls Intl PLC	Com	G51502105	80	1,674	SH		DFND	0	1,674	0	0
Medtronic PLC	Com	G5960L103	1,323	14,740	SH		SOLE	0	14,740	0	0
Medtronic PLC	Com	G5960L103	25	275	SH		DFND	0	275	0	0
Rayonier Fractional share	Com	HFE907109	0	50,000	SH		SOLE	0	50,000	0	0
Seven Hills RLT fractional shares	Com	JBH84E106	0	52,500	SH		SOLE	0	52,500	0	0